Award-Winning, Flexible


Provided by Protectivity

Buy your
Aerobics Instructor Insurance online
via Protectivity

Buy your Aerobics Instructor Insurance online
via Protectivity

Feefo 2024

Independent Service Rating based on
4688 verified reviews.

Feefo 2024

Independent Service Rating based on
4688 verified reviews.

What Aerobics Instructor Insurance covers you for

Protectivity, our sister brand, offers a comprehensive policy tailored specifically for Aerobics Instructors.  As standard the policy will provide you with Public Liability, Professional Indemnity and Equipment. Optional extras include Personal Accident cover, Overseas Extension and Legal Expenses. Depending on your profession and scale of business, the policy can be tailored to meet your individual needs. 

Get an instant quote for Aerobics Instructor Insurance

Join thousands of professional fitness instructors who choose Protectivity every year. 

Or call Protectivity on 01494 887909

Why choose Protectivity

Protecting over 10,000 PT's

Protectivity has been providing tailored insurance policies for fitness professionals for over 15 years, and today protects more than 10,000 PT's and instructors.

Professional Claims Handling

Protectivity work with leading claims handlers to make sure our customers experience a prompt and professional service when making a claim.

Underwritten by Experts

Protectivity are pleased to offer tailored cover from AXA XL, a leading provider of insurance in the sports and leisure industry.

UK Based Customer Service Team

Protectivity's highly experienced Sales team are available to help support you with any questions that you might have.

5-Star Customer Service Rating

Thousands of happy customers have awarded Protectivity a 5-star customer service score on the independent feedback platform, Feefo.

Monthly payment plans

Protectivity provides monthly payment options to make paying for your fitness instructor insurance super convenient.

What is Aerobics Instructor Insurance?

As an Aerobics instructor you will need to ensure you are suitably covered should one of your students injure themselves and make a claim against you. Although Aerobics is far from a dangerous sport, injuries can still happen and as the instructor, the claim will fall on you. 

Our Sister brand Protectivity offers a specialist policy which will provide you with comprehensive Public Liability cover, Professional Indemnity and more. 

Aerobics Instructor 1

How is Aerobics Instructor Insurance different?

Protectivity, our sister brand, recognises that finding the right policy can be hard so they have tailored a policy to meet your needs. The Aerobic Instructor Insurance will protect you against the risks associated with running a fitness class where injury or damage to property is possible. Whether you only take aerobic classes or specialise in a number of fitness classes, Protectivity can help. 


Frequently Asked Questions

A. Yes, provided you comply with the below requirements for remote coaching/instruction (live or prerecorded):

In respect of any coaching or instruction that is undertaken remotely, it is strongly recommended that the Insured should:

1. At the commencement of the session, advise participants:

a. that by participating they are doing so at their own risk;
b. a suitable, non-slip floor space is required and any potential obstructions in the vicinity are removed before they participate;
c. to avoid activities if they have, or suspect they may have any current health concerns, injuries, aches and pains;
d. avoid the use of blades, weapons or sharp instruments of any description;
e. avoid physical contact with other participants and where appropriate, adhere to social distancing guidelines;

2. Ensure that sessions are conducted for the benefit of participants who have demonstrated sufficient suitability to participate;

a. with new clients you must ensure that;

i. you obtain a signed PAR-Q form prior to the first session
ii. you have had a pre-training consultation call

3. Continue to only instruct activities in which you are qualified to do so;

4. Record the session. Retaining the recording for a period of up to thirty-six (36) months may assist in any claim made against you

5. Maximum class size is 16

A. Our PT insurance policies all include the following as standard, which provides comprehensive cover to personal trainers.

  • Personal trainer liability insurance – Either £1m, £2m, £5m or £10m
    Liability insurance for personal trainers covers them for claims, damages and injury to members of the public or their property. This could come about if you or one of your clients causes damage to the gym in which your sessions are held.
  • Professional Indemnity cover – level matched to that of your Public Liability
    Should one of your clients injure themselves and deem it to be because of your negligence, then Professional Indemnity protects you. Any claim could be the result of a client claiming you gave bad advice or set them a task which in turn, caused them an injury.
  • Sports Equipment cover – £500 as standard for FREE (up to £30,000 available)
    The tools of the trade which you use are protected by our policy too. Up to £250 of cover is included as standard, which ensures any damage to your equipment caused by a client or third-party is covered.
  • Personal Accident cover (not included as standard – optional extra)
    This part of the policy protects the personal trainer themselves. Depending on the specific injury, your policy could pay out if you were to injure yourself while taking a personal training session.

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